2025 401k Limits Married Filing Jointly Over 60. The income limit is $79,000, up from $76,500 in 2024. For heads of household, it will be $59,250 in 2025 (up from $57,375 in 2024).
A married couple in which both spouses are over 50 and with a 401(k) account at work could potentially defer paying income tax on as much as $61,000 in a single year. Saver’s credit limits for 2025.